{"id":8917,"date":"2019-09-17T16:44:16","date_gmt":"2019-09-17T13:44:16","guid":{"rendered":"https:\/\/super-news.info\/vi\/dau-tu-cong-nghe-la-mao-hiem-vai-tram-ty-den-nghin-ty-di-nhu-khong-nhung-chang-le-khong-dam-lam\/"},"modified":"2019-09-17T16:44:20","modified_gmt":"2019-09-17T13:44:20","slug":"dau-tu-cong-nghe-la-mao-hiem-vai-tram-ty-den-nghin-ty-di-nhu-khong-nhung-chang-le-khong-dam-lam","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/dau-tu-cong-nghe-la-mao-hiem-vai-tram-ty-den-nghin-ty-di-nhu-khong-nhung-chang-le-khong-dam-lam\/","title":{"rendered":"\u0110\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ea1o hi\u1ec3m, v\u00e0i tr\u0103m t\u1ef7 \u0111\u1ebfn ngh\u00ecn t\u1ef7 \u0111i nh\u01b0 kh\u00f4ng, nh\u01b0ng ch\u1eb3ng l\u1ebd kh\u00f4ng d\u00e1m l\u00e0m?"},"content":{"rendered":"<p>&#13;<br \/>\n            6  th\u00e1ng \u0111\u1ea7u n\u0103m 2019, TPBank c\u00f4ng b\u1ed1 l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 1.620 t\u1ef7 \u0111\u1ed3ng, l\u1ecdt v\u00e0o Top 10 ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t h\u1ec7 th\u1ed1ng. Nh\u00e0 b\u0103ng n\u00e0y c\u0169ng l\u00e0 1 trong 2 ng\u00e2n h\u00e0ng c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn cao nh\u1ea5t trong Top 10 \u0111\u00f3. Chia s\u1ebb v\u1edbi ch\u00fang t\u00f4i, \u00f4ng Nguy\u1ec5n H\u01b0ng \u2013 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c c\u1ee7a TPBank cho bi\u1ebft, h\u1ebft th\u00e1ng 8, l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea1t g\u1ea7n 2.200 t\u1ef7 v\u00e0 \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng v\u1eabn \u0111\u01b0\u1ee3c duy tr\u00ec, d\u1ef1 ki\u1ebfn c\u00f3 th\u1ec3 l\u00e3i tr\u00ean d\u01b0\u1edbi 300 t\u1ef7 m\u1ed7i th\u00e1ng giai \u0111o\u1ea1n t\u1eeb nay \u0111\u1ebfn cu\u1ed1i n\u0103m.TPBank t\u0103ng tr\u01b0\u1edfng kh\u00e1 cao trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m v\u00e0 c\u0169ng \u0111\u00e3 ho\u00e0n th\u00e0nh \u0111\u01b0\u1ee3c h\u01a1n n\u1eeda k\u1ebf ho\u1ea1ch n\u0103m, xin \u00f4ng cho bi\u1ebft t\u00ecnh h\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng trong qu\u00fd 3 v\u00e0 k\u1ebf ho\u1ea1ch qu\u00fd 4?\u0110\u00e0 t\u0103ng tr\u01b0\u1edfng qu\u00fd 3 v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c duy tr\u00ec. H\u1ebft th\u00e1ng 8, l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea1t g\u1ea7n 2.200 t\u1ef7 \u0111\u1ed3ng t\u1ee9c b\u00ecnh qu\u00e2n kho\u1ea3ng 260 \u2013 270 t\u1ef7 m\u1ed7i th\u00e1ng. Trong c\u00e1c m\u1ea3ng kinh doanh th\u00ec thu nh\u1eadp t\u1eeb l\u00e3i, c\u00e1c ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn ph\u00ed, hay doanh thu ngo\u00e0i l\u00e3i t\u0103ng tr\u01b0\u1edfng t\u1ed1t, \u0111\u1ea3m b\u1ea3o k\u1ebf ho\u1ea1ch \u0111\u00e3 \u0111\u1ec1 ra.T\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay, ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 tr\u00edch h\u01a1n 400 t\u1ef7 cho d\u1ef1 ph\u00f2ng ri\u00eang \u0111\u1ec3 mua l\u1ea1i n\u1ee3 c\u1ee7a VAMC, n\u1ebfu kh\u00f4ng tr\u00edch s\u1ed1 ti\u1ec1n n\u00e0y th\u00ec l\u1ee3i nhu\u1eadn s\u1ebd c\u00f2n t\u0103ng h\u01a1n n\u1eefa. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng v\u1eabn \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n b\u00ecnh th\u01b0\u1eddng, t\u1ed1t h\u01a1n so v\u1edbi k\u1ef3 v\u1ecdng b\u1edfi m\u1ee5c ti\u00eau \u0111\u1ea7u ti\u00ean khi tr\u00ecnh \u0110H\u0110C\u0110 l\u00e0 ch\u1ec9 mua l\u1ea1i m\u1ed9t n\u1eeda s\u1ed1 n\u1ee3 \u1edf VAMC. Tuy nhi\u00ean hi\u1ec7n t\u1ea1i ch\u00fang t\u00f4i \u0111\u00e3 mua l\u1ea1i h\u1ebft v\u00e0 x\u1eed l\u00fd xong. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t ch\u1ec9 d\u1ea5u cho th\u1ea5y ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng v\u1eabn \u0111ang hi\u1ec7u qu\u1ea3, v\u00e0 v\u1edbi nh\u1ecbp \u0111\u1ed9 nh\u01b0 hi\u1ec7n t\u1ea1i th\u00ec k\u1ef3 v\u1ecdng c\u1ea3 n\u0103m ng\u00e2n h\u00e0ng \u0111\u1ea1t v\u00e0 v\u01b0\u1ee3t k\u1ebf ho\u1ea1ch l\u00e0 r\u1ea5t kh\u1ea3 thi.V\u00ec sao ng\u00e2n h\u00e0ng l\u1ea1i quy\u1ebft \u0111\u1ecbnh mua l\u1ea1i to\u00e0n b\u1ed9 n\u1ee3 VAMC nhanh h\u01a1n so v\u1edbi d\u1ef1 ki\u1ebfn? \u0110i\u1ec1u n\u00e0y s\u1ebd t\u00e1c \u0111\u1ed9ng th\u1ebf n\u00e0o t\u1edbi k\u1ebft qu\u1ea3 kinh doanh s\u1eafp t\u1edbi th\u01b0a \u00f4ng?\u0110\u1ed1i v\u1edbi n\u1ee3 VAMC, l\u00fac \u0111\u1ea7u, \u0110H\u0110C\u0110 c\u00f3 \u0111\u1ec1 ra m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn \u1edf m\u1ee9c k\u1ebf ho\u1ea1ch th\u00ec s\u1ebd x\u1eed l\u00fd ch\u1eebng \u0111\u00f3 s\u1ed1 n\u1ee3 \u1edf VAMC c\u00f2n t\u1ed3n; nh\u01b0ng c\u0169ng c\u00f3 n\u00f3i th\u00eam l\u00e0 n\u1ebfu l\u1ee3i nhu\u1eadn v\u01b0\u1ee3t \u0111\u01b0\u1ee3c bao nhi\u00eau th\u00ec s\u1ebd x\u1eed l\u00fd n\u1ed1t. V\u1edbi t\u1ed1c \u0111\u1ed9 l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng trong nh\u1eefng th\u00e1ng v\u1eeba r\u1ed3i, ch\u00fang t\u00f4i x\u00e9t th\u1ea5y kh\u1ea3 n\u0103ng \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau r\u1ea5t kh\u1ea3 thi v\u00e0 m\u00ecnh ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 x\u1eed l\u00fd \u0111\u01b0\u1ee3c lu\u00f4n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ec3 d\u00e0nh sang n\u0103m.V\u00e0 r\u00f5 r\u00e0ng vi\u1ec7c x\u1eed l\u00fd \u0111\u01b0\u1ee3c lu\u00f4n s\u1ed1 n\u1ee3 t\u1ea1i VAMC s\u1ebd l\u00e0m gi\u1ea3m h\u1eb3n \u00e1p l\u1ef1c tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng c\u1ee7a c\u00e1c n\u0103m sau. Sau n\u00e0y, khi m\u00ecnh thu l\u1ea1i \u0111\u01b0\u1ee3c th\u00ec s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o thu nh\u1eadp b\u1ea5t th\u01b0\u1eddng c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c n\u0103m sau th\u00ec ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh s\u1ebd t\u1ed1t h\u01a1n.\u00d4ng c\u00f3 th\u1ec3 d\u1ef1 t\u00ednh m\u1ed9t con s\u1ed1 c\u1ee5 th\u1ec3 v\u1ec1 l\u1ee3i nhu\u1eadn cho c\u00e1c th\u00e1ng cu\u1ed1i n\u0103m?Th\u00f4ng th\u01b0\u1eddng l\u1ee3i nhu\u1eadn nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m s\u1ebd cao h\u01a1n. Qu\u00fd 1, qu\u00fd 2 c\u00f2n \u0111\u1ec1u \u0111\u1ec1u nh\u01b0ng \u0111\u1ebfn qu\u00fd 3 s\u1ebd b\u1eaft \u0111\u1ea7u nh\u00edch l\u00ean v\u00e0 qu\u00fd 4 lu\u00f4n lu\u00f4n t\u0103ng theo y\u1ebfu t\u1ed1 m\u00f9a v\u1ee5. C\u00e1c doanh nghi\u1ec7p cu\u1ed1i n\u0103m s\u1ebd c\u1ea7n nhi\u1ec1u ti\u1ec1n h\u01a1n, c\u1ea7n giao d\u1ecbch nhi\u1ec1u h\u01a1n, \u0111i vay nhi\u1ec1u h\u01a1n,\u2026 l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 gia t\u0103ng l\u1ee3i nhu\u1eadn t\u1ed1t cho ng\u00e2n h\u00e0ng. V\u1edbi TPBank, l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c tr\u00ean d\u01b0\u1edbi 300 t\u1ef7 m\u1ed7i th\u00e1ng trong giai \u0111o\u1ea1n cu\u1ed1i n\u0103m.6 th\u00e1ng \u0111\u1ea7u n\u0103m, ng\u00e2n h\u00e0ng \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng r\u1ea5t cao, g\u1ea7n h\u1ebft room m\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p cho ban \u0111\u1ea7u. Theo cam k\u1ebft c\u1ee7a NHNN th\u00ec nh\u1eefng ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng s\u1edbm Th\u00f4ng t\u01b0 41 v\u1ec1 an to\u00e0n v\u1ed1n s\u1ebd \u0111\u01b0\u1ee3c th\u00eam ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, \u1edf TPBank c\u1ee5 th\u1ec3 th\u1ebf n\u00e0o th\u01b0a \u00f4ng?H\u1ed3i \u0111\u1ea7u n\u0103m, TPBank l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e2n cho room t\u0103ng tr\u01b0\u1edfng cao nh\u1ea5t &#8211; l\u00e0 13%. Sau \u0111\u00f3, TPBank l\u00e0 ng\u00e2n h\u00e0ng th\u1ee9 5 tu\u00e2n th\u1ee7 Th\u00f4ng t\u01b0 41 n\u00ean \u0111\u01b0\u1ee3c NHNN cho t\u0103ng th\u00eam, nh\u01b0ng c\u0169ng kh\u00e1 nh\u1ecf gi\u1ecdt l\u00e0 4%, t\u1ee9c room c\u1ea3 n\u0103m \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh l\u00ean 17%.N\u1ebfu th\u1ea3 c\u1eeda cho t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0o nh\u1eefng l\u0129nh v\u1ef1c th\u00f4ng th\u01b0\u1eddng (t\u1ee9c kh\u00f4ng ph\u1ea3i l\u0129nh v\u1ef1c NHNN mu\u1ed1n h\u1ea1n ch\u1ebf nh\u01b0 ch\u1ee9ng kho\u00e1n hay b\u1ea5t \u0111\u1ed9ng s\u1ea3n\u2026), \u0111\u00fang m\u1ee5c ti\u00eau, m\u1ee5c \u0111\u00edch th\u00ec th\u1eadm ch\u00ed t\u0103ng 30% c\u0169ng \u0111\u1ea1t \u0111\u1ebfn \u0111\u01b0\u1ee3c. V\u1ea5n \u0111\u1ec1 \u1edf \u0111\u00e2y l\u00e0 c\u0169ng ph\u1ea3i th\u00f4ng c\u1ea3m r\u1eb1ng NHNN c\u00f2n m\u1ee5c ti\u00eau ch\u1ed1ng l\u1ea1m ph\u00e1t, \u1ed5n \u0111\u1ecbnh v\u0129 m\u00f4 n\u00ean c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i h\u01b0\u1edfng \u1ee9ng th\u00f4i. Th\u1ebf nh\u01b0ng, th\u1ef1c t\u1ebf c\u0169ng c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng kh\u00f4ng t\u0103ng \u0111\u01b0\u1ee3c. Trong khi \u0111\u00f3, nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u1ee7 v\u1ed1n theo Th\u00f4ng t\u01b0 41, c\u00f3 n\u0103ng l\u1ef1c b\u00e1n t\u1ed1t nh\u01b0ng c\u0169ng ph\u1ea3i k\u00ecm l\u1ea1i.H\u1ebft qu\u00fd 3, room t\u00edn d\u1ee5ng c\u00f2n l\u1ea1i c\u0169ng kh\u00e1 &#8220;th\u00f2m th\u00e8m&#8221;, kh\u00f4ng c\u00f3 nhi\u1ec1u \u0111\u1ec3 tri\u1ec3n khai ti\u1ebfp. Do \u0111\u00f3, ng\u00e2n h\u00e0ng ph\u1ea3i t\u1eadp trung v\u00e0o nh\u1eefng gi\u1ea3i ph\u00e1p kh\u00e1c, ch\u1eb3ng h\u1ea1n kh\u00e1ch h\u00e0ng tr\u1ea3 l\u1ea1i bao nhi\u00eau th\u00ec c\u00f3 th\u00eam ch\u1eebng \u0111\u00f3 room \u0111\u1ec3 cho vay ti\u1ebfp. Tuy nhi\u00ean, v\u1edbi room t\u00edn d\u1ee5ng gi\u1edbi h\u1ea1n, n\u1ebfu m\u00ecnh bi\u1ebft t\u1eadn d\u1ee5ng, ph\u00e2n b\u1ed5 v\u00e0o nh\u1eefng danh m\u1ee5c an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 th\u00ec r\u1ea5t t\u1ed1t. M\u1ed9t m\u1eb7t v\u1eeba ph\u1ea3i l\u00e0m sao \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c \u0111\u01b0\u1ee3c t\u0103ng cho vay nh\u01b0ng m\u1ed9t m\u1eb7t kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec3 n\u1ee3 x\u1ea5u t\u0103ng cao.Ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i ch\u00fa tr\u1ecdng c\u00e1c ngu\u1ed3n thu kh\u00e1c, c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 m\u00e0 kh\u00f4ng d\u00f9ng \u0111\u1ebfn room t\u00edn d\u1ee5ng, v\u00ed d\u1ee5 nh\u01b0 ngo\u1ea1i b\u1ea3ng nh\u01b0 b\u1ea3o l\u00e3nh, thanh to\u00e1n qu\u1ed1c t\u1ebf,\u2026Ngo\u00e0i ra, bancassurance c\u0169ng l\u00e0 m\u1ed9t h\u01b0\u1edbng t\u1ed1t \u0111\u1ec3 tri\u1ec3n khai. Tr\u01b0\u1edbc \u0111\u00e2y, nh\u00e2n vi\u00ean ch\u01b0a quen th\u00ec c\u00f2n ng\u1ea1i ng\u1ea7n, nh\u01b0ng gi\u1edd c\u00f3 khi kh\u00f4ng b\u00e1n \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o c\u00f3 khi c\u00f2n th\u1ea5y\u2026 bu\u1ed3n.C\u00f2n v\u1ec1 huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 g\u1eb7p kh\u00f3 kh\u0103n hay \u00e1p l\u1ef1c g\u00ec kh\u00f4ng? T\u1ea1i sao TPBank l\u1ea1i \u0111\u1ea9y l\u00e3i su\u1ea5t m\u1ed9t s\u1ed1 k\u1ef3 h\u1ea1n l\u00ean r\u1ea5t cao?Th\u00fa th\u1ef1c, ng\u00e2n h\u00e0ng \u0111ang th\u1eeba ti\u1ec1n. Trong b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u1ea9y t\u00edn d\u1ee5ng ra nhi\u1ec1u th\u00ec huy \u0111\u1ed9ng c\u0169ng ph\u1ea3i c\u1ea7m ch\u1eebng. C\u00f2n vi\u1ec7c ni\u00eam y\u1ebft l\u00e3i su\u1ea5t cao h\u01a1n \u1edf m\u1ed9t s\u1ed1 k\u1ef3 h\u1ea1n ch\u1ec9 l\u00e0 mang t\u00ednh ch\u1ea5t \u0111\u1ec3 gi\u1eef kh\u00f4ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u0169 c\u1ee7a m\u00ecnh \u0111i m\u1ea5t v\u00ec c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c c\u0169ng \u0111\u00e3 ni\u00eam y\u1ebft m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1 cao. H\u01a1n n\u1eefa, l\u00e3i su\u1ea5t tr\u00ean 8% ch\u1ec9 \u1edf m\u1ed9t s\u1ed1 k\u1ef3 h\u1ea1n d\u00e0i, v\u00e0 theo \u0111\u00f3 kho\u1ea3n ti\u1ec1n g\u1eedi s\u1ebd &#8220;v\u1eaft&#8221; qua c\u00e1c qu\u00fd kh\u00e1c, c\u00e1c n\u0103m sau v\u00e0 ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd \u0111\u1ee1 \u00e1p l\u1ef1c ph\u1ea3i huy \u0111\u1ed9ng v\u00e0o nh\u1eefng th\u1eddi \u0111i\u1ec3m quan tr\u1ecdng, nh\u1ea5t l\u00e0 cu\u1ed1i n\u0103m.Vi\u1ec7c huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng kh\u00f4ng ch\u1ec9 \u0111\u1ebfn t\u1eeb th\u1ecb tr\u01b0\u1eddng 1 m\u00e0 c\u1ea3 li\u00ean ng\u00e2n h\u00e0ng r\u1ed3i th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf. Tuy nhi\u00ean c\u0169ng ph\u1ea3i c\u00e2n nh\u1eafc, huy \u0111\u1ed9ng v\u00e0o nhi\u1ec1u nh\u01b0ng cho vay \u00edt th\u00ec m\u1ea5t chi ph\u00ed, t\u1ed1n k\u00e9m. L\u00e3i su\u1ea5t li\u00ean ng\u00e2n h\u00e0ng hi\u1ec7n r\u1ea5t th\u1ea5p, n\u1ebfu th\u1eeba ti\u1ec1n m\u00e0 \u0111\u1ea9y l\u00ean \u0111\u00f3 th\u00ec l\u1eadp t\u1ee9c l\u1ed7 ngay 3-4%.Huy \u0111\u1ed9ng t\u1eeb d\u00e2n c\u01b0 c\u00f3 \u0111\u1eb7c \u0111i\u1ec3m l\u00e0 kh\u00f4ng th\u1ec3 th\u00edch th\u00ec h\u00f4m sau m\u1edbi \u0111i huy \u0111\u1ed9ng, m\u00e0 ph\u1ea3i \u0111\u1ec1u \u0111\u1ec1u. Kh\u00e1ch h\u00e0ng mang ti\u1ec1n \u0111\u1ebfn g\u1eedi th\u00ec kh\u00f4ng th\u1ec3 t\u1eeb ch\u1ed1i \u0111\u01b0\u1ee3c, v\u00e0 t\u1eeb ch\u1ed1i m\u1ed9t l\u1ea7n th\u00ec ng\u01b0\u1eddi ta s\u1ebd kh\u00f4ng bao gi\u1edd g\u1eedi n\u1eefa. Do \u0111\u00f3, ng\u00e2n h\u00e0ng lu\u00f4n c\u00f3 \u00e1p l\u1ef1c ph\u1ea3i duy tr\u00ec danh m\u1ee5c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.TPBank c\u00f3 nhi\u1ec1u c\u00e1i \u0111i \u0111\u1ea7u nh\u01b0 \u00e1p d\u1ee5ng Basel II s\u1edbm, ti\u00ean phong trong ng\u00e2n h\u00e0ng s\u1ed1 v\u00e0 c\u00f4ng ngh\u1ec7 th\u1ebb chip,\u2026V\u1eady nh\u1eefng \u0111i\u1ec1u n\u00e0y t\u00e1c \u0111\u1ed9ng t\u1edbi k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?\u0110\u1ec3 tu\u00e2n th\u1ee7 Basel II s\u1edbm, ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u1ea3i hy sinh kh\u00f4ng \u00edt. B\u1edfi vi\u1ec7c ph\u1ea3i duy tr\u00ec l\u01b0\u1ee3ng v\u1ed1n nhi\u1ec1u h\u01a1n, d\u1ef1 tr\u1eef thanh kho\u1ea3n nhi\u1ec1u h\u01a1n, ph\u00e2n lo\u1ea1i t\u00e0i s\u1ea3n theo m\u1ee9c \u0111\u1ed9 r\u1ee7i ro kh\u00e1c nhau v\u00e0 nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c l\u00e0m \u1ea3nh h\u01b0\u1edbng l\u1edbn t\u1edbi c\u01a1 c\u1ea5u, b\u1ea3ng c\u00e2n \u0111\u1ed1i c\u1ee7a ng\u00e2n h\u00e0ng. N\u00f3i chung, \u0111i\u1ec1u n\u00e0y s\u1ebd l\u00e0m s\u1ee5t \u0111i l\u1ee3i nhu\u1eadn 10% l\u00e0 \u00edt.Nh\u01b0ng m\u00ecnh b\u1eaft bu\u1ed9c ph\u1ea3i tu\u00e2n th\u1ee7. M\u1eb7c d\u00f9 \u0111\u1ec3 duy tr\u00ec l\u01b0\u1ee3ng v\u1ed1n, ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i \u0111i huy \u0111\u1ed9ng tr\u00e1i phi\u1ebfu \u0111\u1ec3 b\u1ed5 sung v\u1ed1n c\u1ea5p 2, m\u00e0 chi ph\u00ed th\u00ec kh\u00f4ng nh\u1ecf. Trong n\u0103m nay, t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n CAR ch\u01b0a ph\u1ea3i l\u00e0 v\u1ea5n \u0111\u1ec1, hi\u1ec7n \u1edf m\u1ee9c h\u01a1n 9%, v\u00e0 \u0111\u1ebfn cu\u1ed1i n\u0103m sau, khi c\u00f3 th\u00eam c\u00e1c ngu\u1ed3n th\u00ec l\u00ean kho\u1ea3ng 10%. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ph\u00e1t tri\u1ec3n trong t\u01b0\u01a1ng lai, trong n\u0103m 2020 \u0111\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng t\u1ed1t th\u00ec c\u00f2n c\u1ea7n th\u00eam m\u1ed9t l\u01b0\u1ee3ng ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 t\u0103ng CAR l\u00ean. T\u0103ng v\u1ed1n c\u1ea5p 2 c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t, nh\u1ea5t l\u00e0 khi t\u0103ng v\u1ed1n c\u1ea5p 1 kh\u00f4ng d\u1ec5 d\u00e0ng g\u00ec, tuy nhi\u00ean, huy \u0111\u1ed9ng b\u1eb1ng tr\u00e1i phi\u1ebfu qu\u1ed1c t\u1ebf c\u0169ng kh\u00f4ng r\u1ebb.D\u00f9 v\u1eady, vi\u1ec7c tu\u00e2n th\u1ee7 Basel II s\u1edbm th\u1ef1c t\u1ebf s\u1ebd c\u00f3 l\u1ee3i \u00edch cho ng\u00e2n h\u00e0ng v\u1ec1 m\u1eb7t l\u00e2u d\u00e0i, chuy\u00ean nghi\u1ec7p h\u01a1n, theo chu\u1ea9n qu\u1ed1c t\u1ebf h\u01a1n. C\u00f2n ng\u1eafn h\u1ea1n v\u00e0 tr\u01b0\u1edbc m\u1eaft th\u00ec ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i hy sinh nhi\u1ec1u th\u1ee9.V\u1ec1 m\u1eb7t c\u00f4ng ngh\u1ec7, ch\u00fang t\u00f4i kh\u00f4ng ph\u1ea3i b\u1ecf ti\u1ec1n ra \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7, ngu\u1ed3n l\u1ef1c, ch\u1ea5t x\u00e1m r\u1ea5t nhi\u1ec1u ch\u1ec9 \u0111\u1ec3 l\u1ea5y c\u00e1i danh hi\u1ec7u d\u1eabn \u0111\u1ea7u. M\u00ecnh c\u1ee9 l\u00e0m nh\u01b0 v\u1eady, c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p mang l\u1ea1i hi\u1ec7u qu\u1ea3 th\u1ef1c s\u1ef1 v\u00e0 t\u1ef1 d\u01b0ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1eb7t m\u1ee5c ti\u00eau l\u00e0 ph\u1ea3i \u0111\u1ee9ng h\u00e0ng \u0111\u1ea7u. V\u1ea5n \u0111\u1ec1 l\u00e0 ch\u00fang t\u00f4i th\u1ea5y c\u00f4ng ngh\u1ec7 l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu v\u00e0 ai kh\u00f4ng b\u1eaft k\u1ecbp xu h\u01b0\u1edbng \u0111\u00f3 s\u1ebd b\u1ecb t\u1ee5t h\u1eadu.L\u00fac n\u00e0y, kinh doanh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u1eabn c\u00f2n ki\u1ebfm \u0111\u01b0\u1ee3c ti\u1ec1n, nh\u01b0ng v\u00e0i n\u0103m n\u1eefa th\u00ec ch\u01b0a bi\u1ebft. V\u00e0 r\u00f5 r\u00e0ng, n\u1ebfu c\u00f3 chu\u1ea9n b\u1ecb t\u1ed1t th\u00ec khi c\u01a1 h\u1ed9i v\u00e0 th\u1eddi c\u01a1 \u0111\u1ebfn th\u00ec c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng lu\u00f4n. Ch\u01b0a k\u1ec3, c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 gi\u00fap cho qu\u1ea3n tr\u1ecb t\u1ed1t h\u01a1n, ti\u1ebft ki\u1ec7m nhi\u1ec1u ngu\u1ed3n l\u1ef1c, qu\u1ea3n tr\u1ecb r\u1ee7i ro, h\u1ea1n ch\u1ebf t\u1ed5n th\u1ea5t. \u0110\u00f3 l\u00e0 nh\u1eefng th\u1ee9 m\u00e0 \u0111ong \u0111\u1ebfm b\u1eb1ng ti\u1ec1n th\u1ef1c s\u1ef1 th\u00ec c\u00f3 c\u00e1i \u0111\u1ebfm \u0111\u01b0\u1ee3c, nh\u01b0ng c\u00f3 c\u00e1i kh\u00f4ng.N\u1ebfu n\u00f3i thu tr\u1ef1c ti\u1ebfp t\u1eeb nh\u1eefng \u0111i\u1ec1u \u0111\u00f3 th\u00ec kh\u00f4ng c\u00f3, v\u00e0 c\u0169ng \u0111\u1eebng x\u00e1c \u0111\u1ecbnh nh\u01b0 v\u1eady. Vi\u1ec7c \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 c\u0169ng c\u00f3 th\u1ec3 l\u00e0 h\u01a1i &#8220;venture&#8221; m\u1ed9t ch\u00fat. Kh\u00f4ng ai d\u00e1m t\u1ef1 tin n\u00f3i m\u1ed9t hai ba n\u0103m n\u1eefa s\u1ebd ch\u1eafc ch\u1eafn g\u1eb7t h\u00e1i th\u00e0nh c\u00f4ng, nh\u01b0ng \u00edt nh\u1ea5t m\u00ecnh lu\u00f4n c\u00f3 m\u1ed9t t\u00e2m th\u1ebf v\u00ed nh\u01b0 b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng lai, \u0111\u1ec3 khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn chuy\u1ec3n, c\u00e1c \u0111\u1ed1i th\u1ee7 l\u00e0m \u0111\u01b0\u1ee3c c\u00e1i n\u00e0y th\u00ec m\u00ecnh c\u0169ng ph\u1ea3i l\u00e0m \u0111\u01b0\u1ee3c \u00edt nh\u1ea5t l\u00e0 b\u1eb1ng ho\u1eb7c ph\u1ea3i h\u01a1n. Ch\u01b0a k\u1ec3, nh\u1eefng ai \u0111i tr\u01b0\u1edbc v\u00e0 chi\u1ebfm th\u1ecb ph\u1ea7n tr\u01b0\u1edbc l\u00e0 \u0111\u00e3 c\u00f3 l\u1ee3i th\u1ebf nh\u1ea5t \u0111\u1ecbnh.Ch\u00fang t\u00f4i s\u1ebd ti\u1ebfn \u0111\u1ebfn l\u00e0 &#8220;ng\u00e2n h\u00e0ng kh\u00f4ng ng\u1ee7&#8221;, kh\u00f4ng ch\u1ec9 c\u00f3 d\u1ecbch v\u1ee5 n\u1ea1p ti\u1ec1n r\u00fat ti\u1ec1n m\u00e0 c\u00f2n nhi\u1ec1u h\u01a1n th\u1ebf n\u1eefa, c\u00f3 th\u1ec3 ph\u1ee5c v\u1ee5 m\u1ecdi l\u00fac. Kh\u00e1ch h\u00e0ng c\u0169ng ng\u00e0y c\u00e0ng \u0111\u00e1nh gi\u00e1 cao, v\u00e0 ch\u00fang t\u00f4i g\u1ea7n nh\u01b0 c\u00f3 th\u1ebf h\u1ec7 kh\u00e1ch h\u00e0ng m\u1edbi. T\u1ea5t nhi\u00ean, ban \u0111\u1ea7u c\u0169ng c\u00f3 nh\u1eefng kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y ng\u1ea1i ng\u1ea7n, ch\u01b0a d\u00e1m s\u1eed d\u1ee5ng, nh\u01b0ng d\u1ea7n d\u1ea7n c\u0169ng \u0111\u00e3 t\u1ed1t l\u00ean v\u00e0 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn v\u1edbi ng\u01b0\u1eddi d\u00e2n h\u01a1n.Th\u1eddi gian \u0111\u1ea7u trong qu\u00e1 tr\u00ecnh \u0111\u1ea7u t\u01b0 cho c\u00f4ng ngh\u1ec7, cho ng\u00e2n h\u00e0ng s\u1ed1, \u00f4ng c\u00f3 c\u1ea3m th\u1ea5y \u0111\u00f3 l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111i m\u1ea1o hi\u1ec3m kh\u00f4ng khi m\u00e0 nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn c\u00f2n ch\u01b0a d\u00e1m \u0111\u1ea7u t\u01b0 nhi\u1ec1u?\u0110\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 l\u00e0 \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m. Kh\u00f4ng ai d\u00e1m n\u00f3i l\u00e0 ch\u1eafc ch\u1eafn th\u00e0nh c\u00f4ng. T\u1ea5t nhi\u00ean c\u0169ng c\u00f3 nh\u1eefng d\u1ef1 \u00e1n m\u00e0 bi\u1ebft l\u00e0 khi l\u00e0m xong s\u1ebd \u0111\u01b0\u1ee3c th\u1ebf n\u00e0y th\u1ebf kia, nh\u01b0ng \u0111\u00f3 l\u00e0 c\u1ea3i ti\u1ebfn nh\u1eefng th\u1ee9 m\u00ecnh \u0111ang l\u00e0m th\u00ec m\u1edbi ch\u1eafc \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady. C\u00f2n \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c m\u1edbi ho\u00e0n to\u00e0n, th\u1eadm ch\u00ed b\u1ecf ra r\u1ea5t nhi\u1ec1u ti\u1ec1n th\u00ec kh\u00f3 c\u00f3 th\u1ec3 d\u00e1m ch\u1eafc n\u00f3 s\u1ebd mang \u0111\u1ebfn l\u1ee3i \u00edch ngay l\u1eadp t\u1ee9c; m\u1eb7c d\u00f9 m\u00ecnh v\u1eabn lu\u00f4n bi\u1ebft l\u00e0 n\u00f3 s\u1ebd mang l\u1ea1i nh\u1eefng c\u00e1i n\u00e0y, c\u00e1i kia nh\u01b0ng n\u00f3 c\u00f3 tr\u1ef1c ti\u1ebfp mang l\u1ea1i l\u1ee3i nhu\u1eadn hay kh\u00f4ng th\u00ec kh\u00f4ng ai d\u00e1m kh\u1eb3ng \u0111\u1ecbnh.\u0110\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 ch\u1eafc ch\u1eafn r\u1ea5t t\u1ed1n k\u00e9m, v\u00e0i tr\u0103m ngh\u00ecn t\u1ef7 \u0111i nh\u01b0 kh\u00f4ng. Th\u1ebf nh\u01b0ng kh\u00f4ng l\u1ebd l\u1ea1i kh\u00f4ng d\u00e1m \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1i g\u00ec? M\u1ed7i n\u0103m, nh\u1eefng nghi\u00ean c\u1ee9u ph\u00e1t tri\u1ec3n r\u1ea5t l\u1edbn, ph\u1ea3i duy tr\u00ec ngu\u1ed3n l\u1ef1c  bao g\u1ed3m ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh, ch\u1ea5t x\u00e1m, nh\u00e2n s\u1ef1,\u2026Sau giai \u0111o\u1ea1n t\u00e1i c\u01a1 c\u1ea5u v\u00e0 ti\u1ebfp theo l\u00e0 b\u1ee9t t\u1ed1c m\u1ea1nh m\u1ebd v\u1edbi c\u00e1c d\u1ea5u \u1ea5n v\u1ec1 c\u00f4ng ngh\u1ec7, TPBank nay \u0111\u00e3 c\u00f3 h\u00ecnh \u1ea3nh m\u1edbi, v\u1eady ng\u00e2n h\u00e0ng s\u1ebd l\u00e0m nh\u1eefng g\u00ec \u0111\u1ec3 ti\u1ebfp t\u1ee5c l\u00e0m m\u1edbi m\u00ecnh h\u01a1n th\u01b0a \u00f4ng?N\u1ebfu n\u00f3i \u0111\u1ebfn con \u0111\u01b0\u1eddng hay h\u01b0\u1edbng \u0111i th\u00ec kh\u00e1 tr\u1eebu t\u01b0\u1ee3ng. Ch\u00fang ta c\u0169ng th\u1ea5y m\u1ed9t s\u1ed1 xu h\u01b0\u1edbng, nh\u01b0ng v\u1ea5n \u0111\u1ec1 l\u00e0 ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i d\u00e1m \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc.Nh\u1eefng th\u1ee9 m\u1edbi nh\u01b0 AI, machine learning, Bigdata, Blockchain\u2026c\u00f3 r\u1ea5t nhi\u1ec1u nh\u01b0ng nh\u1eefng m\u00f3n \u0111\u1ea5y l\u00e0m xong th\u00ec ph\u1ee5c v\u1ee5 cho c\u00e1i g\u00ec th\u00ec ph\u1ea3i x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c tr\u01b0\u1edbc. \u0110\u1eebng ngh\u0129 r\u1eb1ng ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c kinh doanh \u0111\u1ed9c l\u1eadp v\u1edbi c\u00e1c ch\u1ed7 kh\u00e1c. Ch\u1eb3ng h\u1ea1n \u1edf Ng\u00e2n h\u00e0ng Ti\u00ean Phong, ch\u00fang t\u00f4i x\u00e1c \u0111\u1ecbnh r\u1eb1ng ng\u00e2n h\u00e0ng s\u1ed1 c\u0169ng l\u00e0 m\u1ed9t k\u00eanh \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng \u1edf b\u1ea5t k\u1ef3 k\u00eanh n\u00e0o c\u0169ng t\u01b0\u01a1ng \u0111\u1ed1i gi\u1ed1ng nhau, h\u1ecd \u0111\u00e3 l\u00e0m \u0111\u01b0\u1ee3c c\u00e1i g\u00ec \u1edf qu\u1ea7y th\u00ec c\u0169ng tr\u00ean k\u00eanh s\u1ed1 c\u0169ng v\u1eady. Nh\u01b0ng kh\u00e1ch h\u00e0ng th\u00ec kh\u00f4ng ch\u1ec9 l\u00e0m m\u1ed7i k\u00eanh s\u1ed1 m\u00e0 c\u00f2n nhi\u1ec1u k\u00eanh kh\u00e1c, v\u1eady ph\u1ea3i l\u00e0m sao \u0111\u00f3 \u0111\u1ec3 h\u1ecd c\u00f3 m\u1ed9t gi\u1ea3i ph\u00e1p t\u1ed5ng th\u1ec3?T\u00f4i ngh\u0129 r\u1eb1ng v\u1edbi nh\u1eefng h\u1ec7 th\u1ed1ng hi\u1ec7n t\u1ea1i th\u00ec 5 n\u0103m n\u1eefa kh\u00f4ng th\u1ec3 ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u, xu h\u01b0\u1edbng m\u1edbi. Nh\u01b0 hi\u1ec7n t\u1ea1i ch\u00fang ta c\u0169ng th\u1ea5y nh\u1eefng k\u1ef3 v\u1ecdng, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 kh\u00e1c xa v\u1edbi c\u00e1ch \u0111\u00e2y v\u00e0i n\u0103m r\u1ed3i v\u00e0 ch\u01b0a bi\u1ebft s\u1eafp t\u1edbi c\u00f2n thay \u0111\u1ed5i \u0111\u1ebfn \u0111\u00e2u n\u1eefa. C\u00e1ch th\u1ee9c kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u0169ng \u0111\u00e3 r\u1ea5t kh\u00e1c. Ng\u00e0y x\u01b0a h\u1ecd ch\u1ec9 bi\u1ebft \u0111\u1ebfn ng\u00e2n h\u00e0ng th\u00f4i, nh\u01b0ng gi\u1edd th\u00ec c\u00f2n bao nhi\u00eau nh\u00e0 cung c\u1ea5p kh\u00e1c m\u00e0 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c nh\u00fang m\u1ed9t ph\u1ea7n v\u00e0o \u0111\u1ea5y. L\u00e0m sao \u0111\u1ec3 th\u00edch \u1ee9ng, \u0111\u00f3 l\u00e0 th\u00e1ch th\u1ee9c v\u00e0 ph\u1ea3i chu\u1ea9n b\u1ecb \u0111\u1ec3 ng\u01b0\u1eddi ta c\u00f3 c\u00e1i g\u00ec th\u00ec m\u00ecnh c\u0169ng ph\u1ea3i c\u00f3, m\u00ecnh c\u0169ng ph\u1ea3i ch\u1ea5p nh\u1eadn \u0111\u1ea7u t\u01b0 l\u1edbn \u0111\u1ec3 mai sau n\u1ebfu ai \u0111\u00f3 h\u1ecfi c\u00e1i g\u00ec th\u00ec c\u0169ng ph\u1ea3i tr\u1ea3 l\u1eddi l\u00e0 m\u00ecnh c\u0169ng bi\u1ebft, c\u0169ng c\u00f3 r\u1ed3i.Ngo\u00e0i ra, c\u1ea1nh tranh c\u00f3 \u0111\u1ebfn \u0111\u00e2u th\u00ec v\u1eabn ph\u1ea3i trong xu th\u1ebf h\u1ee3p t\u00e1c c\u00f9ng nhau, \u0111\u1eebng mong m\u00ecnh s\u1ebd \u0111\u1ee9ng \u0111\u01b0\u1ee3c m\u1ed9t m\u00ecnh m\u1ed9t ch\u1ee3, m\u1ed9t m\u00ecnh c\u00f3 th\u1ecb ph\u1ea7n hay v\u1ecb th\u1ebf th\u01b0\u1ee3ng phong.C\u00f4ng ngh\u1ec7 thay \u0111\u1ed5i nh\u01b0 v\u1eady, m\u00ecnh l\u00e0m \u0111\u01b0\u1ee3c nh\u01b0ng ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 c\u00e1i kh\u00f3 l\u00e0 ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd, ng\u01b0\u1eddi ta th\u00ec \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec ph\u00e1p lu\u1eadt kh\u00f4ng c\u1ea5m, c\u00f2n ng\u00e2n h\u00e0ng th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c l\u00e0m nh\u1eefng g\u00ec m\u00e0 ph\u00e1p lu\u1eadt cho ph\u00e9p. Tuy v\u1eady, m\u00ecnh c\u0169ng ph\u1ea3i chu\u1ea9n b\u1ecb \u0111\u1ec3 \u0111\u1ebfn khi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 c\u01a1 ch\u1ebf th\u00ec c\u00f3 th\u1ec3 l\u00e0m lu\u00f4n ch\u1ee9 \u0111\u1ee3i \u0111\u1ebfn l\u00fac \u0111\u00f3 m\u1edbi ch\u1ea1y th\u00ec ch\u1eb3ng c\u00f2n v\u1ecb th\u1ebf g\u00ec n\u1eefa.L\u00e0m g\u00ec \u0111\u1ec3 m\u1edbi m\u00ecnh h\u01a1n \u01b0? M\u1ed9t khi \u0111\u00e3 c\u00f3 c\u00e1i tr\u1edbn, c\u00e1i \u0111\u00e0 th\u00ec t\u1ea1i sao kh\u00f4ng ti\u1ebfp t\u1ee5c? N\u00f3i chung l\u00e0 ch\u00fang t\u00f4i kh\u00f4ng ti\u1ebfc ti\u1ec1n \u0111\u1ec3 \u0111\u1ed5 v\u00e0o c\u00f4ng ngh\u1ec7, \u0111\u1ea7u t\u01b0 cho t\u01b0\u01a1ng lai v\u00e0 s\u1ebd ti\u1ebfp t\u1ee5c nh\u01b0 th\u1ebf.C\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c \u0111ang song song \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 c\u00f2n m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi truy\u1ec1n th\u1ed1ng kh\u00f4ng ch\u1ec9 \u1edf trong n\u01b0\u1edbc m\u00e0 c\u1ea3 qu\u1ed1c t\u1ebf, c\u00f2n TPBank th\u00ec sao th\u01b0a \u00f4ng?Th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf th\u00ec ch\u01b0a, nh\u01b0ng khu v\u1ef1c th\u00ec c\u00f3 th\u1ec3 t\u00ednh \u0111\u1ebfn trong v\u00e0i n\u0103m n\u1eefa. Th\u1ef1c t\u1ebf, TPBank sinh sau \u0111\u1ebb mu\u1ed9n, c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c h\u1ecd c\u00f3 l\u1ecbch s\u1eed m\u1ea5y ch\u1ee5c n\u0103m r\u1ed3i nh\u01b0ng ch\u00fang t\u00f4i m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c h\u01a1n 10 n\u0103m, sau \u0111\u00f3 c\u00f2n t\u00e1i c\u01a1 c\u1ea5u cho \u0111\u1ebfn nay c\u0169ng m\u1edbi ch\u1ec9 7 n\u0103m. Trong khi \u0111\u00f3, quy \u0111\u1ecbnh c\u1ee7a NHNN c\u0169ng c\u00f2n h\u1ea1n ch\u1ebf nhi\u1ec1u v\u1ec1 m\u1ea1ng l\u01b0\u1edbi, c\u00f3 mu\u1ed1n m\u1edf th\u00eam nhi\u1ec1u c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c.Tuy nhi\u00ean, may m\u1eafn l\u00e0 ch\u00fang t\u00f4i c\u00f3 gi\u1ea3i ph\u00e1p Livebank, g\u1ea7n nh\u01b0 thay \u0111\u01b0\u1ee3c m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh. \u0110\u1ebfn nay, Livebank \u0111\u00e3 c\u00f3 th\u1ec3 cung c\u1ea5p r\u1ea5t nhi\u1ec1u d\u1ecbch v\u1ee5, l\u1ea1i c\u00f2n 24\/7, chi ph\u00ed \u0111\u1ea7u t\u01b0 th\u00ec th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi m\u1edf m\u1ed9t ph\u00f2ng giao d\u1ecbch, l\u1ea1i kh\u00f4ng c\u00f3 r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c, r\u1ee7i ro gian l\u1eadn.S\u1eafp t\u1edbi khi m\u1edf r\u1ed9ng ra g\u1ea5p \u0111\u00f4i, g\u1ea5p 3 l\u01b0\u1ee3ng m\u00e1y hi\u1ec7n c\u00f3 th\u00ec \u0111\u1ed9 ti\u1ebfp c\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng s\u1ebd l\u1edbn h\u01a1n r\u1ea5t nhi\u1ec1u. Ch\u01b0a k\u1ec3, chi ph\u00ed th\u1ea5p nh\u01b0 v\u1eady s\u1ebd cho ph\u00e9p m\u1edf \u1edf nh\u1eefng \u0111\u1ecba b\u00e0n kh\u00f4ng qu\u00e1 ti\u1ec1m n\u0103ng. Trong khi \u0111\u00f3, \u0111\u1ec3 m\u1edf m\u1ed9t chi nh\u00e1nh th\u00ec ph\u1ea3i c\u00e2n l\u00ean \u0111\u1eb7t xu\u1ed1ng r\u1ea5t nhi\u1ec1u b\u1edfi chi ph\u00ed duy tr\u00ec, v\u1eadn h\u00e0nh r\u1ea5t l\u1edbn, m\u1ed9t n\u0103m c\u0169ng ph\u1ea3i 5-10 t\u1ef7 ch\u1ee9 kh\u00f4ng \u00edt. N\u1ebfu chi nh\u00e1nh \u0111\u00f3 kh\u00f4ng hi\u1ec7u qu\u1ea3 th\u00ec c\u0169ng r\u1ea5t \u0111au x\u00f3t. C\u00f2n Livebank \u0111\u1eb7t \u0111\u00f3 kh\u00f4ng t\u1ed1t th\u00ec ch\u00fang t\u00f4i thu\u00ea c\u00e1i c\u1ea9u \u0111\u1ebfn b\u00ea lu\u00f4n \u0111i c\u0169ng ch\u1eb3ng c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec.Ti\u00ean Phong c\u00f3 l\u1ee3i th\u1ebf l\u00e0 h\u1ec7 th\u1ed1ng m\u1edbi, g\u1ecdn nh\u1eb9 n\u00ean vi\u1ec7c thay \u0111\u1ed5i s\u1ebd thu\u1eadn l\u1ee3i h\u01a1n. Nh\u1eefng \u0111\u01a1n v\u1ecb qu\u00e1 l\u1edbn, r\u1ea5t nhi\u1ec1u h\u1ec7 th\u1ed1ng ch\u1eb1ng ch\u00e9o v\u1edbi nhau th\u00ec khi thay m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3 l\u00e0 r\u1ea5t kh\u00f3, ch\u01b0a k\u1ec3 t\u01b0 duy \u0111\u1ec3 thay \u0111\u1ed5i, c\u00f3 ch\u1ea5p nh\u1eadn thay \u0111\u1ed5i hay kh\u00f4ng c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 chuy\u1ec7n \u0111\u01a1n gi\u1ea3n.Xem x\u00e9t \u0111\u1ec1 b\u00e0i m\u00ecnh mu\u1ed1n c\u00e1i g\u00ec l\u00e0 r\u1ea5t quan tr\u1ecdng, s\u1ebd quy\u1ebft \u0111\u1ecbnh m\u00ecnh \u0111\u1ea7u t\u01b0 th\u1ebf n\u00e0o. Nhi\u1ec1u n\u01a1i r\u1ea5t hay t\u1ed1n v\u00e0o c\u00e2u chuy\u1ec7n l\u00e0 \u0111\u1ea7u t\u01b0 qu\u00e1 m\u1ee9c c\u1ea7n thi\u1ebft. TPBank th\u00ec \u0111\u00fac r\u00fat \u0111\u01b0\u1ee3c nh\u1eefng \u0111i\u1ec1u \u0111\u00f3 v\u00e0 l\u00e0m r\u1ea5t c\u1ea9n tr\u1ecdng ngay t\u1eeb kh\u00e2u \u0111\u1ea7u ti\u00ean ra \u0111\u1ec1 b\u00e0i l\u00e0 g\u00ec. C\u00e1c nh\u00e0 cung c\u1ea5p s\u1ebd cho m\u00ecnh gi\u1ea3i ph\u00e1p r\u1ea5t ho\u00e0nh tr\u00e1ng nh\u01b0ng c\u00f3 th\u1ec3 kh\u00f4ng bao gi\u1edd d\u00f9ng \u0111\u1ebfn, gi\u1ed1ng nh\u01b0 l\u00e0m m\u1ed9t c\u00e1i nh\u00e0 r\u1ea5t to nh\u01b0ng l\u1ea1i ch\u1ec9 d\u00f9ng \u0111\u1ebfn 1 ph\u00f2ng. Trong khi r\u00f5 r\u00e0ng x\u00e2y m\u1ed9t c\u00e1i nh\u00e0 to nh\u01b0 th\u1ebf l\u00e0 t\u1ed1n r\u1ea5t nhi\u1ec1u ti\u1ec1n, c\u00f2n ti\u1ec7n nghi ph\u00f9 h\u1ee3p cho m\u00ecnh \u1edf th\u00ec l\u1ea1i \u00edt h\u01a1n nhi\u1ec1u. V\u1ea5n \u0111\u1ec1 l\u00e0 m\u00ecnh ph\u1ea3i bi\u1ebft nhu c\u1ea7u \u0111\u1ebfn \u0111\u00e2u, b\u1edfi c\u00f3 c\u00e1i bi\u1ebft r\u1ed3i nh\u01b0ng c\u0169ng c\u00f3 c\u00e1i ch\u01b0a bi\u1ebft.\u00d4ng ngh\u0129 g\u00ec v\u1ec1 vi\u1ec7c nhi\u1ec1u lao \u0111\u1ed9ng ng\u00e2n h\u00e0ng s\u1ebd b\u1ecb thay th\u1ebf b\u1edfi c\u00f4ng ngh\u1ec7? TPBank \u0111\u00e3 chu\u1ea9n b\u1ecb v\u1ea5n \u0111\u1ec1 nh\u00e2n s\u1ef1 n\u1ed9i b\u1ed9 nh\u01b0 th\u1ebf n\u00e0o?Con ng\u01b0\u1eddi n\u1ebfu b\u1ecb thay th\u1ebf b\u1edfi c\u00f4ng ngh\u1ec7 th\u00ec c\u0169ng ch\u1ec9 b\u1ecb thay th\u1ebf \u1edf nh\u1eefng kh\u00e2u gi\u1ea3n \u0111\u01a1n, nh\u1eefng vi\u1ec7c nh\u00e0m ch\u00e1n, nh\u1eadp li\u1ec7u,\u2026Nh\u1eefng kh\u00e2u quan tr\u1ecdng v\u1eabn c\u1ea7n \u0111\u1ebfn con ng\u01b0\u1eddi. C\u00e1i c\u1ea3m nh\u1eadn, c\u1ea3m x\u00fac c\u1ee7a t\u1eebng ng\u01b0\u1eddi r\u1ea5t kh\u00e1c v\u1edbi m\u00e1y m\u00f3c. M\u00e1y m\u00f3c s\u1ebd kh\u00f4ng th\u1ec3 n\u00e0o thay th\u1ebf ho\u00e0n to\u00e0n cho \u0111\u1ed9i sale, ch\u1ec9 thay th\u1ebf \u0111\u01b0\u1ee3c \u1edf m\u1ed9t s\u1ed1 kh\u00e2u v\u1ec1 back office th\u00f4i. Nh\u1eefng kho\u1ea3n nh\u1ecf l\u1ebb nh\u01b0 b\u00e1n theo t\u1ec7p th\u00ec c\u00f3 th\u1ec3 kh\u00f4ng c\u1ea7n ng\u01b0\u1eddi, c\u00f2n l\u1ea1i th\u00ec \u0111\u1ec1u c\u1ea7n con ng\u01b0\u1eddi h\u1ebft.V\u1ec1 ngu\u1ed3n l\u1ef1c cho \u0111\u1ed9i ph\u00e1t tri\u1ec3n, \u0111\u1eebng k\u1ef3 v\u1ecdng s\u1ebd mua \u0111\u01b0\u1ee3c m\u1ed9t gi\u1ea3i ph\u00e1p nguy\u00ean xi n\u00e0o \u0111\u00f3 r\u1ed3i v\u1ec1 \u00e1p v\u00e0o m\u00ecnh, v\u1eabn l\u00e0 ph\u1ea3i t\u1ef1 m\u00ecnh ph\u1ea3i l\u00e0m, t\u1ef1 m\u00ecnh hi\u1ec3u ch\u00ednh m\u00ecnh nh\u1ea5t. C\u00f3 m\u1ed9t gi\u1ea3i ph\u00e1p hay th\u00ec m\u00ecnh ph\u1ea3i xem li\u1ec7u c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi m\u00ecnh hay kh\u00f4ng, c\u00f3 th\u1ee9 m\u00ecnh mua \u0111\u01b0\u1ee3c nh\u01b0ng c\u0169ng c\u00f3 th\u1ee9 m\u00ecnh ph\u1ea3i t\u1ef1 ph\u00e1t tri\u1ec3n. Ph\u1ea3i duy tr\u00ec m\u1ed9t ngu\u1ed3n l\u1ef1c nh\u1ea5t \u0111\u1ecbnh cho nh\u1eefng nhu c\u1ea7u \u0111\u00f3, d\u1ea7n d\u1ea7n lao \u0111\u1ed9ng gi\u1ea3n \u0111\u01a1n s\u1ebd \u00edt \u0111i, nh\u1eefng lao \u0111\u1ed9ng tr\u00ecnh \u0111\u1ed9 cao, thi\u00ean v\u1ec1 m\u1eb7t c\u00f4ng ngh\u1ec7 s\u1ebd nhi\u1ec1u l\u00ean.Kh\u00f4ng n\u00ean s\u1ed1 h\u00f3a nh\u1eefng th\u1ee9 m\u00ecnh \u0111ang c\u00f3 v\u00ec kh\u00f3 mang l\u1ea1i hi\u1ec7u qu\u1ea3. N\u1ebfu mu\u1ed1n l\u00e0m c\u00e1i g\u00ec \u0111\u00f3 th\u00ec n\u00ean \u0111\u1eadp lu\u00f4n \u0111i v\u00e0 l\u00e0m l\u1ea1i c\u00e1i m\u1edbi, l\u1ee3i h\u01a1n r\u1ea5t nhi\u1ec1u. M\u1ed9t vi\u1ec7c m\u00e0 m\u00ecnh \u0111ang l\u00e0m r\u1ed3i l\u1ea1i mu\u1ed1n s\u1ed1 h\u00f3a n\u00f3 l\u00ean nhi\u1ec1u khi c\u00f2n r\u1ed1i r\u1eafm h\u01a1n. Ph\u1ea3i c\u00f3 m\u1ed9t t\u01b0 t\u01b0\u1edfng c\u1ea3i c\u00e1ch l\u1edbn, ch\u1ea5p nh\u1eadn s\u1ef1 thay \u0111\u1ed5i, sau \u0111\u00f3 th\u00ec \u0111\u1eadp \u0111i. Ch\u1eb3ng h\u1ea1n, m\u1edf t\u00e0i kho\u1ea3n \u1edf Livebank ch\u1ec9 m\u1ea5t 5-6 ph\u00fat, trong khi m\u1edf \u1edf chi nh\u00e1nh truy\u1ec1n th\u1ed1ng m\u1ea5t \u0111\u1ebfn 16-18 ph\u00fat, mu\u1ed1n gi\u1ea3m c\u0169ng kh\u00f4ng th\u1ec3 gi\u1ea3m n\u1ed5i v\u00ec h\u1ec7 th\u1ed1ng corebanking \u0111\u00e3 thi\u1ebft k\u1ebf nh\u01b0 v\u1eady r\u1ed3i, kh\u00f4ng th\u1ec3 \u00edt h\u01a1n \u0111\u01b0\u1ee3c. Th\u1eadm ch\u00ed tr\u00ean quy tr\u00ecnh m\u1edbi c\u00f2n h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u c\u00e2u chuy\u1ec7n kh\u00e1ch gi\u1ea3, ch\u1ee9ng minh nh\u00e2n d\u00e2n gi\u1ea3; th\u1eddi gian l\u1ea1i ng\u1eafn h\u01a1n.Ti\u00ean Phong l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean \u1ee9ng d\u1ee5ng m\u00e3 PIN \u0111i\u1ec7n t\u1eed. L\u00fac \u0111\u1ea7u, t\u1ea5t c\u1ea3 c\u00e1c \u0111\u01a1n v\u1ecb \u0111\u1ec1u ph\u1ea3n \u0111\u1ed1i, t\u1eeb IT cho \u0111\u1ebfn trung t\u00e2m th\u1ebb, cho l\u00e0 r\u1ee7i ro v\u00e0 nguy hi\u1ec3m, c\u00f4ng ngh\u1ec7 kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng n\u1ed5i v\u00ec m\u00e3 \u0111\u1ea5y ph\u1ea3i t\u1eeb m\u1ed9t h\u1ec7 th\u1ed1ng ph\u1ea7n c\u1ee9ng in ra Pin Mailer, r\u1ed3i c\u00e1c l\u1edbp b\u1ea3o m\u1eadt r\u1ed3i m\u1edbi g\u1eedi cho kh\u00e1ch h\u00e0ng. T\u00f4i b\u1ea3o kh\u00f4ng, \u0111\u1eadp h\u1eb3n n\u00f3 \u0111i, l\u00e0m l\u1ea1i. Cu\u1ed1i c\u00f9ng th\u00ec c\u0169ng l\u00e0m ra \u0111\u01b0\u1ee3c v\u00e0 c\u0169ng kh\u00f4ng c\u00f3 r\u1ee7i ro g\u00ec, l\u1ea1i r\u1ea5t nhanh. Ng\u00e0y x\u01b0a kh\u00e1ch h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c Pin ph\u1ea3i m\u1ea5t c\u1ea3 tu\u1ea7n, nh\u01b0ng gi\u1edd ch\u1ec9 m\u1ea5y ph\u00fat; ch\u01b0a k\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c bao nhi\u00eau gi\u1ea5y t\u1edd v\u00e0 ngu\u1ed3n l\u1ef1c con ng\u01b0\u1eddi.M\u00ecnh ph\u1ea3i ch\u1ea5p nh\u1eadn s\u1ef1 thay \u0111\u1ed5i v\u00e0 ng\u1ed3i ph\u00e2n t\u00edch t\u1eadn c\u00f9ng r\u1ee7i ro n\u1eb1m \u1edf \u0111\u00e2u, ch\u1ee9 \u0111\u1eebng n\u00f3i kh\u01a1i kh\u01a1i l\u00e0 c\u00e1i n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c, c\u00e1i n\u00e0y l\u00e0 tr\u00e1i quy \u0111\u1ecbnh, l\u00e0 r\u1ee7i ro l\u1eafm\u2026Tr\u00e1i quy \u0111\u1ecbnh th\u00ec tr\u00e1i quy \u0111\u1ecbnh g\u00ec v\u00e0 c\u00f3 c\u00e1ch n\u00e0o \u0111\u1ec3 qua \u0111\u01b0\u1ee3c kh\u00f4ng. \u0110\u1ebfn b\u00e2y gi\u1edd, c\u00f3 th\u1ec3 n\u00f3i, chi ph\u00ed \u0111\u00e3 gi\u1ea3m \u0111i r\u1ea5t nhi\u1ec1u, m\u1ed7i n\u0103m ch\u1ec9 v\u00e0i t\u1ef7 ti\u1ec1n gi\u1ea5y, v\u1eadn h\u00e0nh,\u2026Ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i 2 n\u0103m v\u1eeba r\u1ed3i g\u1ea7n nh\u01b0 kh\u00f4ng c\u1ea7n ph\u1ea3i t\u0103ng nh\u00e2n s\u1ef1 ch\u00ednh l\u00e0 v\u00ec nh\u1eefng \u0111i\u1ec1u nh\u01b0 v\u1eady. \u0110\u1ed9i Sale, \u0111\u1ed9i c\u00f4ng ngh\u1ec7, \u0111\u1ed9i tri\u1ec3n khai Basel II v\u1eabn tuy\u1ec3n r\u1ea5t nhi\u1ec1u, nh\u01b0ng \u0111\u1ed9i ng\u0169 back office th\u00ec gi\u1ea3m, xem nh\u01b0 b\u00f9 tr\u1eeb cho nhau.\u0110\u1eebng k\u1ef3 v\u1ecdng m\u1ed9t ng\u01b0\u1eddi n\u00e0o \u0111\u1ea5y ngay l\u1eadp t\u1ee9c h\u1ecd v\u00e0o v\u00e0 l\u00e0m gi\u1ecfi ngay m\u1ecdi th\u1ee9. M\u00ecnh c\u0169ng ph\u1ea3i training cho h\u1ecd r\u1ea5t nhi\u1ec1u v\u00e0 t\u1ea1o cho h\u1ecd c\u01a1 h\u1ed9i c\u1ecd x\u00e1t, t\u1ef1 tr\u01b0\u1edfng th\u00e0nh. T\u1ea5t nhi\u00ean nh\u1eefng ng\u01b0\u1eddi \u0111i tr\u01b0\u1edbc c\u0169ng ph\u1ea3i c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 \u0111\u00e0o t\u1ea1o n\u00e0o \u0111\u00f3. B\u00e2y gi\u1edd th\u00ec Ti\u00ean Phong c\u00f3 th\u1ec3 t\u1ef1 h\u00e0o l\u00e0 to\u00e0n b\u1ecb ng\u00e2n h\u00e0ng kh\u00e1c c\u00e2u k\u00e9o nh\u00e2n s\u1ef1. Ai c\u0169ng n\u00f3i r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 l\u00e0m v\u00e0 s\u1ed1ng s\u00f3t \u1edf Ti\u00ean Phong th\u00ec ra ki\u1ec3u g\u00ec c\u0169ng l\u00e0m \u0111\u01b0\u1ee3c.TPBank &#8220;sinh sau \u0111\u1ebb mu\u1ed9n&#8221; nh\u01b0ng v\u1ecb th\u1ebf c\u1ee7a ng\u00e0y h\u00f4m nay \u0111\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn r\u1ea5t r\u00f5 r\u00e0ng. V\u1eady tr\u01b0\u1edbc th\u1ec1m 2020, \u00f4ng c\u1ea3m th\u1ea5y ng\u00e2n h\u00e0ng c\u00f3 \u0111i\u1ec1u g\u00ec \u0111\u00e1ng t\u1ef1 h\u00e0o nh\u1ea5t?Ni\u1ec1m t\u1ef1 h\u00e0o nh\u1ea5t l\u00e0 Ti\u00ean Phong t\u1eeb v\u1ecb tr\u00ed th\u1ee9 42 m\u00e0 b\u00e2y gi\u1edd \u0111\u00e3 tr\u00ean d\u01b0\u1edbi Top 10 r\u1ed3i. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 kh\u00f4ng, l\u00e0nh m\u1ea1nh kh\u00f4ng; \u0111\u1ea5y l\u00e0 nh\u1eefng \u0111i\u1ec1u m\u00e0 Ti\u00ean Phong \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c. B\u00ean c\u1ea1nh \u0111\u00f3, t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ebfn kh\u00e1ch h\u00e0ng, c\u00f4ng ch\u00fang, truy\u1ec1n th\u00f4ng tin y\u00eau c\u0169ng l\u00e0 nh\u1eefng \u0111i\u1ec1u \u0111\u00e1ng m\u1eebng v\u1edbi ch\u00fang t\u00f4i.<br \/>\n<br \/><a href=\"http:\/\/cafef.vn\/ceo-tpbank-nguyen-hung-dau-tu-cong-nghe-la-mao-hiem-vai-tram-ty-den-nghin-ty-di-nhu-khong-nhung-chang-le-khong-dam-lam-20190917131538015.chn\" rel=\"nofollow\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2019, TPBank c\u00f4ng b\u1ed1 l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 1.620 t\u1ef7 \u0111\u1ed3ng, l\u1ecdt v\u00e0o Top 10 ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t h\u1ec7 th\u1ed1ng. Nh\u00e0 b\u0103ng n\u00e0y c\u0169ng l\u00e0 1 trong 2 ng\u00e2n h\u00e0ng c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn cao nh\u1ea5t trong Top [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":8918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8917","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0110\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ea1o hi\u1ec3m, v\u00e0i tr\u0103m t\u1ef7 \u0111\u1ebfn ngh\u00ecn t\u1ef7 \u0111i nh\u01b0 kh\u00f4ng, nh\u01b0ng ch\u1eb3ng l\u1ebd kh\u00f4ng d\u00e1m l\u00e0m? - Super News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/super-news.info\/vi\/dau-tu-cong-nghe-la-mao-hiem-vai-tram-ty-den-nghin-ty-di-nhu-khong-nhung-chang-le-khong-dam-lam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0110\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ea1o hi\u1ec3m, v\u00e0i tr\u0103m t\u1ef7 \u0111\u1ebfn ngh\u00ecn t\u1ef7 \u0111i nh\u01b0 kh\u00f4ng, nh\u01b0ng ch\u1eb3ng l\u1ebd kh\u00f4ng d\u00e1m l\u00e0m? - Super News\" \/>\n<meta property=\"og:description\" content=\"&#013; 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2019, TPBank c\u00f4ng b\u1ed1 l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 1.620 t\u1ef7 \u0111\u1ed3ng, l\u1ecdt v\u00e0o Top 10 ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t h\u1ec7 th\u1ed1ng. 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